some times I take the copper plumbing out and put it on the lawn, then go back with Pex.

You can have a policy of no trash outside, no lawn furniture, etc.Cats peeing outside sounds better than inside.

Hello, I live in a duplex and the tenant is doing lawn care and snow removal.

Who is mowing the lawn?

The underwriter is just verifying that value has been added to the property to justify such a price increase vs. the price being artificially inflated.How much did you put into the rehab if you don't mind sharing?

/Pulaski/Southwest Hwy, on the border with Oak Lawn.

Taxes would be $14K, up from $7400 the seller is paying, based on list priceGarbage annually - $3KLawn care annually - $1000 (lawn care is actually quite cheap in South Florida)Electric for common hallways and laundry room - $2400 annuallyWater/sewer landlord pays - $4K annuallyInsurance estimated - $6K (probably too low)Paying misc. maintenance, paying a management company and paying pest control for what the brother supposedly does for free - my estimate would be nearly $10K a year, probably moreMy NOI based on estimates is about $30K annually, not including debt service. 

Of course my per day penalties are higher due to the higher holding costs.For those of you wondering how to calculate the penalty/bonus, simply add up every single holding cost you have (taxes,insurance, interest, utilities,lawn maintenance, payroll, pool care, HOA fees, etc etc).

During the crash, there were thousands of REOs sold at an artificially low price because banks wanted cash and there were relatively few cash buyers.

Depending how extensive of a rehab will have a large impact on your maintenance numbers.Since it is a multi-unit you will be responsible for lawn care and snow removal unless you work something out with the tenants.